Best Quincy, Illinois Auto Insurance in 2024 (Compare the Top 10 Companies)
The best Quincy, Illinois auto insurance providers are State Farm, American Family, and Allstate, offering affordable rates starting at $39 per month. State Farm boasts a large network of agents, American Family offers customized policies, and Allstate provides various discounts that help lower premiums.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Nov 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Full Coverage in Quincy Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
2,180 reviewsCompany Facts
Full Coverage in Quincy Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
2,180 reviews
11,413 reviewsCompany Facts
Full Coverage in Quincy Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsDiscover the best Quincy, Illinois auto insurance with providers including State Farm, American Family, and Allstate. Explore competitive rates starting as low as $39 per month.
Finding the cheapest auto insurance companies in Quincy can seem like a difficult task, but all of the information you need is right here.
Our Top 10 Company Picks: Best Quincy, Illinois Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 25% | A | Claims Service | American Family |
 | #3 | 25% | A+ | UBI Savings | Allstate |
 | #4 | 10% | A+ | Qualifying Coverage | Progressive |
 | #5 | 20% | A | Policy Options | Farmers |
 | #6 | 25% | A | 24/7 Support | Liberty Mutual |
 | #7 | 15% | A++ | Coverage Flexibility | Auto-Owners |
 | #8 | 25% | A++ | Cheap Rates | Geico |
 | #9 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #10 | 13% | A++ | Comprehensive Coverage | Travelers |
Before purchasing auto insurance in Quincy, Illinois, compare rates from various companies to find significant savings and the best coverage for your budget.
Enter your ZIP code above to get free auto insurance quotes in Quincy, Illinois, and access a range of options tailored to your specific needs.
- Unveil the best Quincy, Illinois auto insurance with rates from $39/month
- State Farm is the top pick, offering a wide agent network and dependable coverage
- Tailored policies and discounts meet the needs of Quincy drivers
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#1 – State Farm: Top Overall Pick
Pros
- Top Ranking: State Farm ranks #1 in customer service, offering extensive support and making it a top choice for the best Quincy, Illinois, auto insurance.
- 17% Bundling Discount: State Farm provides a 17% discount for bundling multiple policies. Learn more here in our article “State Farm Auto Insurance Review” about bundling discounts.
- Solid A.M. Best Rating: With a B rating from A.M. Best, State Farm is financially stable, though not as high as some competitors. It still offers reliable coverage.
Cons
- Higher Rates for Some Drivers: Rates can be higher for drivers with less-than-perfect records, impacting affordability.
- Inconsistent Online Tools: Some users find State Farm’s online tools less user-friendly, which may affect their management convenience.
#2 – American Family: Best for Claims Service
Pros
- Excellent Claims Service: American Family ranks #2 for claims service, ensuring a reliable option. To know more about excellent claims, check out “American Family Auto Insurance Review.”
- 25% Bundling Discount: The company offers a 25% discount for bundling policies, helping you get the best Quincy, Illinois, auto insurance at a lower cost.
- Flexible Coverage Options: American Family provides customizable coverage options, including accident forgiveness, making it a strong contender.
Cons
- Higher Premiums for Some Drivers: Premiums can be higher for drivers with less-than-perfect records, which might affect affordability.
- Limited Availability: Coverage may not be available in all states, which can limit access to the best Quincy, Illinois, auto insurance for some potential customers.
#3– Allstate: Best for UBI Savings
Pros
- UBI Savings: Allstate’s usage-based insurance (UBI) can help you save on premiums, making it a strong contender. Their A+ A.M. Best rating reflects financial solid stability and reliability.
- 25% Bundling Discount: Allstate offers a generous 25% discount for bundling multiple policies, making it an appealing option for those seeking at a lower cost.
- Comprehensive Coverage Options: With a high A+ A.M. Best rating, Allstate provides extensive coverage options. Discover more about coverages at “Allstate Auto Insurance Review.”
Cons
- Higher Premiums for Some Drivers: Despite the discounts, premiums can still be higher for drivers with less-than-perfect records.
- Mixed Claims Experience: Some customers report slower claims processing times, which could be a drawback for those needing quick resolution.
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#4 – Progressive: Best for Qualifying Coverage
Pros
- Qualifying Coverage Options: Progressive offers qualifying coverage options with a top A+ A.M. Best rating. To know more about qualifying coverages, check out “Progressive Auto Insurance Review.”
- 10% Bundling Discount: Progressive provides a 10% discount for bundling policies, helping you save on the best Quincy, Illinois, auto insurance.
- Innovative Tools: Progressive’s Name Your Price tool and Snapshot program help tailor coverage to your needs, potentially securing the best at a price you can afford.
Cons
- Customer Service Concerns: Some customers report issues with customer service responsiveness, which might affect the overall experience with the best Quincy, Illinois, auto insurance.
- Limited Personal Interaction: The focus on online tools and self-service options might not appeal to those who prefer more personal interactions with agents.
#5 – Farmers: Best for Policy Options
Pros
- Policy Options: Farmers is noted for its diverse policy options, with a high A rating from A.M. Best. These options provide flexibility for the best auto insurance in Quincy, Illinois.
- 20% Bundling Discount: Farmers offers a 20% discount for bundling multiple policies, making it an appealing option. Discover more bundling discounts at “Farmers Auto Insurance Review.”
- Vital Customer Service: Known for solid customer service, Farmers provides local agent support, which can enhance the experience.
Cons
- Higher Premiums in Some Cases: Premiums can be higher than those of competitors, which might impact the affordability of the best Quincy, Illinois auto insurance for some drivers.
- Mixed Reviews on Claims Processing: Some customers report mixed experiences with claims processing, which could affect satisfaction.
#6 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Support: Liberty Mutual offers 24/7 claims service, making it a strong candidate for the.
- 25% Bundling Discount: The company provides a 25% discount for bundling policies, which can help you get the best Quincy, Illinois, auto insurance at a more affordable rate.
- Flexible Coverage Options: Liberty Mutual’s various coverage options, including new car replacement and accident forgiveness, make it a robust choice.
Cons
- Higher Rates for Some Drivers: Rates may be higher for drivers with less-than-perfect records, affecting overall affordability. Discover more rates at “Liberty Auto Insurance Review.”
- Inconsistent Customer Service: Some customers report inconsistent customer service experiences, which might impact their overall satisfaction with the best Quincy, Illinois, auto insurance.
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#7 – Auto-Owners: Best for Coverage Flexibility
Pros
- Coverage Flexibility: Auto-Owners is known for its coverage flexibility, and it has a top A++ A.M. Best rating, making it a reliable choice.
- 15% Bundling Discount: The company offers a 15% discount for bundling multiple policies, which can help you get the best Quincy, Illinois, auto insurance at a reduced rate.
- Strong Financial Stability: With an A++ rating from A.M. Best, Auto-Owners demonstrates financial solid stability, ensuring reliable service.
Cons
- Limited Online Tools: The company’s online tools and resources may not be as advanced as some competitors, potentially affecting the convenience of managing the best Quincy, Illinois, auto insurance.
- Customer Service Variability: Experiences with customer service can vary, which might impact satisfaction. Learn more about customer service at “Auto-Owners Auto Insurance Review.”
#8 – Geico: Best for Cheap Rates
Pros
- Cheap Rates: Geico is known for offering some of the lowest rates in the industry, making it a top choice. Delve more about cheap rates at “Geico Auto Insurance Review.”
- 25% Bundling Discount: Geico provides a 25% discount for bundling policies, helping you secure the best Quincy, Illinois, auto insurance while saving on costs.
- User-Friendly Online Tools: Geico’s website and mobile app are highly rated, making it easier to manage your policy and claims for the best Quincy, Illinois, auto insurance.
Cons
- Limited Personalized Service: Geico’s focus on digital and phone-based interactions may provide less personalized customer service, potentially impacting the experience.
- Mixed Reviews on Claims Handling: Some customers have reported issues with the claims process, which could affect satisfaction with the best Quincy, Illinois, auto insurance.
#9 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide’s vanishing deductible program reduces your deductible each year you remain claim-free, making it an appealing option.
- 20% Bundling Discount: Nationwide offers a 20% discount for bundling multiple policies, helping you secure the best Quincy, Illinois, auto insurance while saving on overall costs.
- Strong A.M. Best Rating: With an A+ rating from A.M. Best, Nationwide is financially stable and provides a reliable option. Learn more about the best ratings at “Nationwide Auto Insurance Review.”
Cons
- Higher Rates for Some Drivers: Premiums can be higher for certain drivers, potentially affecting the affordability of the best Quincy, Illinois, auto insurance.
- Limited Coverage Options: Nationwide may have fewer coverage options than some competitors, which could impact availability.
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#10 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Travelers offers extensive coverage options with a top A++ A.M. Best rating, making it a reliable choice. Explore our article “Travelers Auto Insurance Review.”
- 13% Bundling Discount: Travelers provides a 13% discount for bundling policies, helping you save on the best Quincy, Illinois auto insurance.
- High Financial Ratings: With an A++ rating from A.M. Best, Travelers demonstrates financial solid stability and reliability, enhancing its position.
Cons
- Limited Coverage in Some Areas: Travelers may have fewer coverage options in certain regions, which might affect the availability of auto insurance.
- Customer Service Complaints: Some customers have reported issues with customer service responsiveness, which could impact the overall experience.
Cheap Quincy, Illinois Auto Insurance by Age and Gender
Quincy, Illinois, auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Quincy, Illinois.
Quincy, Illinois Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $51 | $139 |
| $46 | $127 |
| $45 | $125 |
| $49 | $141 |
| $39 | $113 |
| $56 | $147 |
| $47 | $130 |
| $43 | $121 |
| $42 | $115 |
| $50 | $136 |
Auto insurance rates in Quincy, Illinois, are influenced by factors such as age and gender. Understanding how these demographics impact the monthly cost of insurance can help you better estimate your premiums and find the most affordable coverage.
Additionally, knowing the car insurance requirements in Illinois ensures that you meet the necessary legal standards while searching for the best rates.
Quincy, Illinois Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $616 | $802 | $287 | $310 | $238 | $239 | $249 | $249 |
| $505 | $701 | $180 | $232 | $180 | $180 | $165 | $165 |
| $764 | $797 | $204 | $213 | $178 | $178 | $158 | $167 |
| $384 | $400 | $155 | $148 | $123 | $125 | $118 | $143 |
| $354 | $395 | $114 | $121 | $110 | $118 | $91 | $102 |
| $407 | $524 | $175 | $189 | $150 | $153 | $134 | $142 |
| $550 | $618 | $181 | $196 | $151 | $143 | $125 | $130 |
| $281 | $357 | $111 | $127 | $98 | $98 | $88 | $88 |
| $334 | $418 | $124 | $131 | $117 | $124 | $107 | $114 |
 | $361 | $399 | $152 | $167 | $116 | $118 | $108 | $107 |
Additionally, by analyzing these factors, you can identify ways to potentially lower your insurance costs based on your personal profile. Understanding how each element impacts your premium helps you make informed decisions for cost savings.
Cheap Quincy, Illinois Auto Insurance by Driving Record
Your driving record is a crucial factor that influences auto insurance rates. Explore how “Insurance for Different Types of Drivers” in Quincy, Illinois varies by comparing the monthly rates for a bad driving record with those for a clean record to see the impact.
Quincy, Illinois Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 1,200 |
| Total Claims Per Year | 950 |
| Average Claim Size | $4,500 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 150 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | High |
Find the best auto insurance company near you by entering your ZIP code into our free quote tool below to compare rates and coverage options tailored to your area. This quick and easy tool provides personalized quotes based on your location, helping you save time and money on your policy.
Quincy, Illinois Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, New Car, Student, Anti-Theft Devices |
| Safe Driver, Multi-Policy, Good Student, Low Mileage, Bundling |
| Safe Driver, Multi-Policy, Home Ownership, Good Student, Bundling |
| Safe Driver, Multi-Policy, Home Ownership, Bundling, Good Student |
| Safe Driver, Multi-Policy, Military, Good Student, Federal Employee |
| Safe Driver, Multi-Policy, Good Student, Hybrid/Electric Vehicle, New Car |
| Safe Driver, Multi-Policy, Good Student, Accident Forgiveness, Bundling |
| Safe Driver, Multi-Policy, Usage-Based, Good Student, Online Quote |
| Safe Driver, Multi-Policy, Good Student, Bundling, Defensive Driving |
| Safe Driver, Multi-Policy, Good Student, Home Ownership, Accident Forgiveness |
Additionally, understanding this variation helps you evaluate potential savings from maintaining a clean driving record and how it might affect your overall insurance costs.
Quincy, Illinois Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $268 | $453 | $423 | $351 |
| $212 | $302 | $400 | $240 |
| $281 | $362 | $353 | $334 |
| $145 | $195 | $277 | $181 |
| $147 | $207 | $183 | $166 |
| $189 | $244 | $288 | $217 |
| $216 | $320 | $239 | $272 |
| $143 | $169 | $156 | $156 |
| $146 | $191 | $213 | $183 |
| $137 | $195 | $267 | $165 |
Keeping a clean driving record not only helps maintain lower insurance rates but also enhances your eligibility for various discounts and better coverage options, ultimately leading to more favorable terms and savings on your auto insurance in Quincy, Illinois.
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Cheap Quincy, Illinois Auto Insurance Rates by ZIP Code
Quoting auto insurance rates by ZIP code in Quincy, Illinois, can vary. Compare the monthly cost of auto insurance by ZIP code in Quincy, Illinois, to see how car insurance rates are affected by location.
By comparing the monthly cost of auto insurance across different ZIP codes in Quincy, Illinois, you can identify potential savings opportunities and understand how location-specific factors influence your premiums.
Quincy, Illinois Auto Insurance Monthly Rates by ZIP Code
| ZIP Code | Rates |
|---|---|
| 62301 | $235 |
| 62305 | $238 |
Additionally, analyzing these variations can help you make more informed decisions when selecting your auto insurance coverage based on your specific area.
The Cheapest Quincy, Illinois Auto Insurance Companies
What auto insurance companies in Quincy, Illinois, are the cheapest? To get the most affordable rates, it’s crucial to explore a variety of providers, as factors like your driving record and vehicle type can influence pricing.
Compare the top auto insurance companies in Quincy, Illinois, to find the best monthly rates. To maximize your savings, consider bundling options or discounts for safe driving, which can significantly lower your premium.
Quincy, Illinois Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | B+ | Low theft rate |
| Traffic Density | B | Moderate congestion |
| Average Claim Size | B- | Slightly above average |
| Weather-Related Risks | C+ | High storm risk |
| Uninsured Drivers Rate | C | High uninsured rate |
You can also compare auto insurance rates by make and model to ensure you’re getting the best value for your specific vehicle and coverage needs. Shopping around is vital to finding the most suitable and affordable insurance plan for you.
Best Quincy, Illinois Auto Insurance Monthly Rates by Provider
| Insurance Company | Rates |
|---|---|
| $374 |
| $288 |
| $332 |
| $200 |
| $176 |
| $234 |
| $262 |
| $156 |
| $184 |
| $191 |
Before you buy Quincy, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Different insurers may offer varying levels of coverage and discounts, which can significantly affect your premium. Some companies may provide better discounts for bundling home and auto insurance or offer special deals for safe driving or low mileage.
Additionally, consider the customer service and claims process of each company to ensure you choose one that meets your needs and expectations.
A responsive and reliable insurer can make a big difference in handling accident claims or resolving disputes. Taking the time to compare options will help you find the best policy for your situation and potentially save you money.
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Remember to review each company’s financial strength and reputation. A highly rated insurer is more likely to offer a smooth claims experience and provide peace of mind. Furthermore, exploring lesser-known regional insurers might reveal hidden gems with competitive rates and personalized service.
Frequently Asked Questions
What types of auto insurance coverage should I consider in Quincy, IL?
Quincy drivers can benefit from standard options like liability, collision auto insurance, and comprehensive coverage, as well as uninsured motorist protection and medical payments coverage for broader protection.
What are the minimum car insurance requirements in Quincy, IL?
Illinois requires a minimum liability policy covering bodily injury and property damage. Meeting these limits is essential to drive legally in Quincy.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
Which factors most impact my auto insurance rates in Quincy?
Insurance premiums in Quincy are influenced by factors like driving record, age, coverage type, ZIP code, and vehicle make and model.
To find the most affordable option, consider researching the “Cheapest Auto Insurance Companies” in your area. These companies can help you meet the state requirements while saving you money on your premiums.
How can young drivers save on auto insurance in Quincy, IL?
Young drivers can reduce costs by maintaining good grades for student discounts, completing driver education, and choosing affordable coverage options.
What is the best way to compare multiple insurance quotes in Quincy?
Using a secure online comparison tool allows you to view rates from various providers in Quincy, making it easier to find affordable and comprehensive coverage.
Understanding these factors will help you meet the auto insurance requirements while securing the best value for your needs.
Are there discounts available for Quincy drivers?
Yes, insurers offer discounts for safe driving, bundling policies, maintaining a clean driving record, low mileage, and more. Check with your provider to see what you qualify for.
How does my credit score impact my auto insurance in Quincy, IL?
In Illinois, credit history is one of the factors insurers may use to calculate premiums, as it’s seen as an indicator of financial responsibility.
What are the benefits of bundling home and auto insurance in Quincy?
Bundling offers discounts and can simplify your insurance experience by consolidating policies with one provider, often resulting in substantial savings.
Additionally, by comparing these options, you can secure the best yearly premium auto insurance that provides both comprehensive coverage and affordability.
How can I reduce my deductible over time with a vanishing deductible program?
Programs like Nationwide’s reduce your deductible each year you go claim-free, allowing you to save on out-of-pocket costs over time. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
How should I choose the right auto insurance company in Quincy, IL?
Look for companies with high A.M. Best ratings, a variety of coverage options, favorable customer reviews, and reliable customer service for the best experience.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.